Get Started

Commercial Auto Insurance in Connecticut

Connecticut requires annual DMV insurance reporting for motor carriers with vehicles meeting specified weight, passenger, or placardable-hazardous-material thresholds. The state lists $750,000 for qualifying nonhazardous freight vehicles and up to $5 million for certain hazardous or passenger operations. Classify each unit by route, weight, seats, and cargo before selecting a limit and filing. 1

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Connecticut Requirements

RequirementDetails
Annual motor carrier insurance reportFor vehicles meeting state weight, passenger, or placarded-hazmat thresholds; otherwise affidavit for new registration or renewal 1
Nonhazardous freight limit$750,000 for freight vehicles at 10,001 lb GVWR or more 1
Passenger vehicle limits$1.5 million above 8 seats; $5 million at 16 seats or more 1

What to Watch for in Connecticut

  • Reporting Threshold Depends On Route And Vehicle

    Connecticut uses 18,001 pounds for intrastate motor carriers and 10,001 pounds for interstate vehicles; it also includes passenger vehicles designed for more than 15 people including the driver and placardable hazmat vehicles. Use the right threshold for each unit. 1

  • Below Threshold Does Not Mean No Filing

    When none of DMV’s listed criteria applies, the carrier must submit an affidavit for new registration transactions or renewals. Include that step in registration work for smaller fleet vehicles. 1

  • Select The Limit By Freight, Cargo, Or Seats

    DMV lists $750,000 for nonhazardous freight at 10,001 lb GVWR or more, $1 million or $5 million for hazardous freight, and $1.5 million/$5 million passenger tiers. Give the broker exact weight, material, and passenger count. 1,2

Who Regulates Insurance in Connecticut

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request. 6,7,8

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Connecticut. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 11
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 14

Questions to Ask Before You Buy in Connecticut

  1. Which units meet Connecticut’s intrastate or interstate weight threshold for annual reporting?
  2. Who will submit the affidavit for vehicles that fall below the DMV criteria?
  3. What GVWR, cargo class, and passenger count did the insurer use to set our Connecticut filing limit?

Commercial Auto in Connecticut: FAQ

Which vehicles must report commercial insurance to Connecticut DMV? 1

Motor carriers report vehicles meeting the state’s route-specific weight, passenger, or placardable-hazmat criteria. If none applies, DMV requires an affidavit for new registration or renewal transactions. 1

What limit applies to a Connecticut commercial truck? 1

DMV lists $750,000 for nonhazardous freight vehicles at 10,001 pounds GVWR or more; hazardous freight may require $1 million or $5 million depending on material. Passenger limits are separate. 1

Commercial Auto in Other States

Other Coverage in Connecticut

Sources

  1. Report commercial vehicle insurance coverage. Connecticut DMV; Annual reporting triggers and minimum commercial vehicle limits. Accessed 2026-09-28.
  2. Auto Insurance. Connecticut Insurance Department; FAQ states general 25/50/25 and 25/50 UM/UIM minimums; not used to expand commercial DMV tiers. Accessed 2026-09-28.
  3. Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
  4. Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
  5. Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
  6. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
  7. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28.
  8. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot